If dental insurance terms confuse you, you’re in good company. A 2013 survey found that 51 percent of U.S. adults were unable to accurately identify common health insurance terms. In order to better understand dental benefits, it’s important to start with the basics. That’s why we’re breaking down 4 commonly confused dental insurance definitions — plain and simple.
Coinsurance is a percentage of the cost you pay for a dental procedure after you have met your deductible. For example, if you have a filling and your coinsurance is 20%, Delta Dental will pay the other 80%.
A copay is a cost-sharing arrangement in which you pay a fixed amount at the time of service (e.g., $15 for a routine dental check-up) and the insurer covers the rest.
A deductible is a specific dollar amount you pay before your dental insurance kicks in. Deductibles usually don’t apply to cleanings and regular check-ups.
A premium is the total amount paid to the dental carrier for your coverage and is typically paid monthly. If you get dental insurance through your employer, they may help pay some or all of your monthly premium.
What other questions do you have about dental benefits? Are there additional terms you’re confused about? Let us know in the comments section!
Learn more about basic dental insurance terms with Delta Dental of Colorado’s new YouTube series, Insurance Terms Decoded.